OpenAI has rolled out new personal finance tools inside the ChatGPT application. According to the platform, Pro subscribers in the US can now link bank and investment accounts through Plaid and ask the chatbot to break down spending, flag subscriptions, or map out financial goals.
The integration allows users to connect financial institutions like Schwab, Fidelity, Chase, Robinhood, Amex, and Capital One. After connecting any financial account, the user will see a dashboard showing how their portfolio is performing, where their money is going, which subscriptions are active, and what payments are coming up. OpenAI says more than 200 million people already bring financial questions to ChatGPT each month. The new tooling turns those generic queries into personalized answers pulled from your actual account data.
OpenAI enables bank account linking
According to the platform, users are expected to click on “Get started” in the Finances option on ChatGPT’s sidebar to start using the tools. Another option is to type “@Finances, connect my accounts” in a conversation. The chatbot then walks the user through Plaid’s authentication flow from there. Plaid handles the actual connection between ChatGPT and the user’s bank or financial accounts.
After a user’s accounts are linked, they can ask ChatGPT, for example, about subscriptions they may have forgotten about, or compare this month’s grocery bill to last month’s. They can even ask ChatGPT to suggest ways to cut back on expenses, estimate how long it would take to pay off a credit card, or help them figure out how much to save each month to reach a goal.
OpenAI also plans to add Intuit support, which would let the chatbot estimate the tax impact of a stock sale. The company wrote, “The vision for ChatGPT is … to help users take action towards improving their financial lives, and we’re working with trusted ecosystem partners like Intuit to do this.” OpenAI said its GPT-5.5 model brings stronger contextual reasoning to finance queries. The company worked with finance experts to build a benchmark specifically for personal finance question quality.
ChatGPT cannot make changes to linked accounts or see full account numbers. It can view balances, transactions, investment holdings, and liabilities, including mortgage and credit card debt. Users can disconnect accounts anytime. Once disconnected, OpenAI will delete synced data within 30 days. The user can also view and delete individual “financial memories,” which are goals or obligations the chatbot has stored. Users can toggle whether their financial conversation data gets used to train OpenAI’s models.
The company did not specify what it might do with aggregated financial data beyond model training, or what additional protections exist against a potential data breach. The feature is live on ChatGPT’s web and iOS apps for Pro subscribers, who pay $200 a month. OpenAI plans to gather feedback from this group before expanding access to Plus tier users. The company’s eventual goal is to make the tools available to all users. Last week, OpenAI released three real-time voice models accessible through its API.
